In the end what affects YOUR premiums? My driving record or yours? There are so many factors that insurance companies use to dictate policy rates its mind boggling (age, sex, history, state, city, color, style, miles driven early, tickets and so on and so on). Quit bitching about other people driving up your insurance rate, its not anyones problem but yours. Why dont you blame everyone in your age group that gets into accidents? Or how about bitching to everyone in your state for driving up your rates by getting into accidents.